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Rebank: Banking the Future

Banking and financial services are in the midst of rapid structural change. Fintechs and digital banks are redefining their industry and challenging incumbent organizations for market share. Technology is vastly powerful, creating new industries in response to – or sometimes in anticipation of – changing customer expectations. In an age of increasingly rapid change, important questions, debates and developments are unfolding before our eyes. These ideas, and the choices we make in response to them, will shape our future. Rebank: Banking the Future explores the trends, developments and challenges that define our age and shape the future role of money, banking and financial services.
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Rebank: Banking the Future
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Now displaying: Category: business
Oct 17, 2017
Ricky Knox is the Founder and CEO of Tandem, a new UK bank that partners with its customers to improve their financial lives. 
 
Tandem is at least Ricky's third business. He's also a co-founder of Small World and Azimo. In addition to starting companies, Ricky also invests in them via his investment vehicle, Hexagon Partners. 
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
Oct 3, 2017
Shachar Bialick is the Founder and CEO of Curve - the smarter banking card.
 
Curve works like....well, magic. It lets you spend on all your cards on a single piece of plastic and even go back later and change which card you paid with. 
 
Over 75,000 have signed up since Curve launched last year, spending more than £50million in over 100 countries.
 
The card itself is only the first component of Shachar's vision to transform financial services. He goes into detail in today's conversation.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Shachar Bialick. 
Sep 26, 2017
Tim Sievers is CEO and Founder of Deposit Solutions, an Open Banking platform for deposits, connecting banks and depositors across Europe.
 
The platform allows banks to offer attractive third party deposit products to their own customers through their existing accounts.
 
Deposit Solutions works with banks across Europe, has mediated deposits in excess of €2bn, and employs more than 110 people across Hamburg, London and Zurich.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
Sep 19, 2017
Philippe Gelis is Co-founder and CEO of Kantox, a wholesale FX company. 
 
Kantox is a multinational Fintech company offering FX management solutions. Kantox is built to allow our customers to manage their currency exposure, build hedging strategies, automate FX transactions and process international payments in a smart way.
 
The company was founded in 2011, serves over 2000 customers and has processed over $5b of transactions.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Philippe Gelis. 
Sep 12, 2017
Today, we're thrilled to be joined by not one but three guests from BBVA, a bank setting the pace for innovation among incumbents. We connected with BBVA as part of their Open Talent Competition. Last week in London, BBVA held the Fintech for Companies track final, one of three main streams in the 2017 Open Talent Competition. The event was put on in conjunction with our good friends at Innovate Finance.
 
In this episode, we'll hear from Mario Pardo, Head of Client Solutions at BBVA, Carmela Gomez, Head of Global Treasury Solutions, and Marisol Menendez, Head of Open Innovation. All three share fascinating insight about the way BBVA thinks about innovation, how they've created a forward-thinking culture, and why openness is crucial to the future of banking.
 
As always, connect with us on Twitter, Facebook, LinkedIn, or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Mario Pardo, Carmela Gomez and Marisol Menedez.
Sep 5, 2017
Today we're thrilled to be joined by acclaimed author Dave Birch, back on Rebank for Round 2. Dave previously joined us on Episode 24 to explore developments in digital identity.
 
Dave is an internationally-recognized thought leader in digital money and digital identity. He has been named one of the global top 15 best sources of business information by Wired Magazine, one of the top ten most influential voices in banking by the Financial Brand, one of the top ten Twitter accounts for innovators by PR Daily, and one of the top three most influential people in London’s fintech community by City A.M. Dave is perhaps Europe’s most influential commentator on emerging payments and adjacent technologies, including digital identity, blockchain and privacy.
 
Dave recently published a new book, called Before Babylon, Beyond Bitcoin, which looks at money as a concept and the ways it may evolve. Today, we look at the current crypto boom and what it's telling us about the future of money and economies.
 
As always, connect with us on Twitter, Facebook, LinkedIn, or on our website at bankingthefuture.com.
 
If you're a regular Rebank listener, please sign into iTunes and leave us a review. It helps others find the show.
Aug 29, 2017

Erin Platts is Head of UK Commercial Banking at Silicon Valley Bank, and Kristi Oliver is a Managing Director in the same business. Silicon Valley Bank is one of the best known banks in the startup community, banking many of the most successful tech companies and VCs in the US and UK.

This episode is composed of two parts. In the first interview, we'll hear from Erin about SVB's pedigree and broad strategy. In the second interview, Kristi goes into detail about SVB's view on fintech and funding options for startups, including what venture debt is and how it works.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Erin Platts and Kristi Oliver.

Aug 22, 2017
Matt Clifford is the co-founder and CEO of Entrepreneur First, the world's leading technology company builder. EF invests in top technical individuals to help them build world-class deep tech startups in London and Singapore. Since 2011, they’ve created over 100 startups, including Magic Pony, an AI company acquired by Twitter in 2016, and Cleo, a chat app for banking.
 
Matt is also the co-founder of Code First: Girls, a free part-time course for high-potential female university students who want to be part of the digital revolution.
 
In 2016, Matt received an MBE from the Queen of England for recognition of his work.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Matt Clifford.
Aug 15, 2017
Welcome back after a week off last week - our first in a year. Wow. Hope everyone's having some fun this summer.
 
We've got some amazing guests lined up over the next few months, so stay tuned for that. We're increasingly active in our newsletter lately - if you'd like to be a part of that, you can subscribe on our website at www.bankingthefuture.com.
 
Today, we've got one for the entrepreneurs. We've had some great episodes with venture capitalists and founders going through the most interesting opportunities their seeing, ideas about areas of fintech ripe for further innovation, startup advice and more.
 
We're pulling all of that together in one place in a nod to our founder and aspiring founder listeners, of which there are many. A lot of the questions that come up most often in our community are around turning concepts into action. One of our core tenants at Rebank is that its delivery that matters. The discussion and analysis of high level ideas and trends are part of the work that takes place around and in support of execution, but with no action, the reflection is only so relevant.
 
Today, we hear from a number of past guests, including Michael Kent of Azimo, Steve Lemon of CurrencyCloud, Nigel Verdon of Railsbank, Alex Macpherson of Octopus Ventures, Carolina Brochado of Atomico, Michael Treskow of Eight Roads, Ameya Upadhyay of Omidyar, Charlie Delingpole of ComplyAdvantage and Aman Ghei of Orange Growth Capital.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Please enjoy today's special episode on starting a fintech.
Aug 1, 2017
Rob Moffat is a Partner at Balderton Capital, a London-based venture capital firm that has invested in fintech businesses including GoCardless, Revolut, Crowdcube, Nutmeg, Seedcamp, ComplyAdvantage, Wonga, Zopa and more.
 
Prior to joining Balderton, Rob worked at Bain & Company and Google. Rob holds degrees from Cambridge and INSEAD.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Rob Moffat. 
Jul 25, 2017
Aman Ghei is a Principal at Orange Growth Capital, a London- and Amsterdam-based venture capital firm focused on high growth fintech companies. Prior to joining Orange Growth Capital, Aman worked at Facebook and Accel Partners.
 
Aman first joined Rebank for Episode 37, together with Alvaro Alvarez del Rio, where we looked at similarities between fintech and other tech verticals, including gaming.
 
We're trying out a new format in this episode. Rather than breaking down high level trends like we usually do, we're going deep on a single business model from the point of view of the investor and the entrepreneur. Today we look at the opportunity in wealth management software, leveraging tech to provide automated personalized financial management to the masses. Let us know what you think of today's format. If you guys like it, we'll get some more VCs on in the future and do it again.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Aman Ghei.
Jul 18, 2017
Charlie Delingpole is the founder and CEO of ComplyAdvantage, a company using artificial intelligence and machine learning to help prevent financial crime.
 
Prior to founding ComplyAdvantage, Charlie co-founded and ran MarketInvoice, a leading alternative lending platform focused on invoice finance.
 
Charlie founded his first startup in 1999, and somehow managed to run it for seven years while graduating from Cambridge and then the London School of Economics.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Charlie Delingpole.
Jul 11, 2017

Michael Treskow is a Partner at Eight Roads Ventures, focusing on venture and growth investments in technology companies across Europe.

Previously, Michael worked at Accel in London, where he was involved with investments in companies such as Funding Circle, GoCardless and WorldRemit. He moved to London from San Francisco, where he did cross-stage investing in technology companies at Warburg Pincus.

A special thanks to Innovate Finance for coordinating this interview.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Michael Treskow. 

Jul 4, 2017
A couple weeks ago we joined our friends at Innovate Finance in London for their annual VCs Take the Stage event, where we caught up with two of the headliners.
 
The first interview you hear is with Alex MacPherson, CEO of Octopus Ventures, the £660 million venture capital arm of UK fund manager Octopus Group. Alex's fund has invested and exited a handful of noteworthy AI companies, including Evi Technologies, Swiftkey and Magic Pony, which sold to Amazon, Microsoft and Twitter, respectively.
 
After we talked to Alex, we caught up with Carolina Brochado, Partner at Atomico, another London-based VC firm. Atomico manages over a billion USD and has invested in seven companies that grew to be worth more than a billion dollars, according to the Financial Times, including games developer SuperCell and weather data company Climate Corporation.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Alex MacPherson and Carolina Brochado.
Jun 27, 2017
Ishaan Malhi is CEO and Founder of Trussle, the UK's first online mortgage advisor. Trussle uses technology to help homebuyers and existing homeowners select from the over ten thousand mortgage and remortgage options on the market in the UK.
 
Trussle has attracted investment from a range of noteworthy backers, including Zoopla, Seedcamp and the co-founders of Betfair and Wealthfront.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Ishaan Malhi.
Jun 21, 2017
Danny Gilligan is back for round 2 with Rebank, this time to discuss the future of data.
 
Danny is the co-founder of Data Republic, a company building the rails to support the emerging data industry. Danny is also co-founder and managing partner of Reinventure, an Australia-based, fintech venture capital fund. 
 
Danny joined us in Episode 28 in late February with his Reinventure partner Simon Cant to talk fintech investing, and we promised we'd follow it up with an episode on data at some point. 
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Danny Gilligan.
Jun 13, 2017
Nick Ogden is the Founder and Executive Chairman of ClearBank, the UK's first new clearing bank in more than 250 years. ClearBank offers banking infrastructure, including clearing, to incumbent and startup financial services companies and fintechs. Built on real time technology, ClearBank aims to support increased transparency and competition in the UK banking market. 
 
Prior to founding ClearBank, Nick founded, ran and sold WorldPay, a global leader in payment processing.  
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Nick Ogden.
Jun 6, 2017
Lawrence Wintermeyer (@LWintermeyer) is the CEO of Innovate Finance, an independent membership association that represents the UK's global FinTech community.
 
Founded in 2014, Innovate Finance looks to accelerate the UK's leading position in the global financial services sector by supporting the next era of technology-led financial services innovators.
 
During our conversation, Lawrence references Innovate Finance's recent sandbox paper, which is available at industrysandbox.org. Innovate Finance itself is very active online at innovatefinance.com, and also supports the global fintech hubs federation, which has a great website at thegfhf.org.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Lawrence Wintermeyer.
May 30, 2017

Peeling back the banking stack, layer by layer.

This week, we've put together a special show looking at a couple of the biggest topics in fintech.

Rebank is lucky to host some of the most noteworthy figures in fintech. The perspective and insight they provide is often an indicator of where things are going.

One of the trends we've discussed on the show in the past is the move to component front, middle and backend layers to replace proprietary pieces of the financial services technology stack.

Today, we start by taking a closer look at that trend before digging into data analytics, AI and machine learning. We wrap up by looking at the potential for quantum computing to change the way we think about processing for different types of tasks.

If you enjoy today's show, reach out. Connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

For more on the topics covered today, check out the full episodes on our website, iTunes, or your podcast platform of choice.

May 23, 2017

Nigel Verdon is the co-founder and CEO of Railsbank, an API-layer connecting fintechs to a wide range of banking and payments services in five lines of code.

Nigel is a pillar of the London fintech community. Prior to starting Railsbank, he founded and ran CurrencyCloud, an API-based FX and payments solution, invested as a venture capitalist at Orange Growth Ventures, advised startups in the UK and Europe and traded FX at Nomura and Swiss Bank.

Banking-as-a-platform is regularly cited as the next phase of financial services evolution, and Railsbank is operating at the cutting edge of that trend.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Nigel Verdon.

May 16, 2017

Google Ventures invested $25m in CurrencyCloud earlier this year, buying into one of the most powerful fintech solutions in the payments space.

Today we're joined by Steve Lemon, co-Founder of CurrencyCloud, to discuss the investment, the company and the payments space in general.

CurrencyCloud's API-based payments engine automates B2B payments and FX, powering an impressive range of fintechs, including Klarna, Travelex, Revolut, Azimo, Fidor Bank and, previously, Payoneer, Kantox and TransferWise.

As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.

If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Steve Lemon.

May 9, 2017
The Omidyar Network is a high-impact, social investment fund set up by eBay founder Pierre Omidyar. Today, we're joined by Ameya Upadhyay, a Principal at Omidyar.
 
Ameya focuses on the firm’s Fintech and Financial Inclusion efforts, investing in organizations that have the potential to create economic opportunity for individuals in Africa, Europe, Myanmar and India. His portfolio includes first movers in India across micro-enterprise lending, digital retail lending, merchant cash advance, and online brokerage. He has been active in Myanmar for the last two years and is closely following the emerging mobile money ecosystem, in addition to making grants to non-profit organizations which are creating sector-wide public goods.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
Thank you very much for joining us today. Please welcome, Ameya Upadhyay.
May 2, 2017

Scott Crowder is the CTO of IBM's Quantum Computing business.

In March, IBM announced the construction of a 50-qubit quantum computer as part of its IBM Q program, an industry-first initiative to build commercially available universal quantum computing systems. IBM Q enables customers to access quantum systems and services via the cloud. The technology sits alongside classical computing solutions, like Watson, IBM's artificial intelligence engine.

IBM's progress in quantum computing mirrors advances by other institutions, all of which will no doubt contribute to quantum computing having a meaningful impact on businesses and consumers in the coming years.

If you like today's show, please subscribe on Apple Podcasts, or your podcast platform of choice, and leave us a review.

Thank you very much for joining us today. Please welcome, Scott Crowder.

Apr 25, 2017
UX is a make-or-break component in mobile gaming, and many of the same learnings are being brought to fintech.
 
Today, we're joined by two fintech venture capitalists for an update on investment trends in our industry.
 
Alvaro Alvarez del Rio is Principal at Initial Capital, a mobile gaming and fintech focused venture capital fund. Prior to joining Initial Capital, Alvaro worked in investment banking and private equity.
 
Aman Ghei is Principal at Orange Growth Capital, a London- and Amsterdam-based venture capital firm focused on high growth fintech and mobile gaming companies. Prior to joining Orange Growth Capital, Aman worked at Facebook and Accel Partners.
 
Interestingly, both Aman and Alvaro have experience in mobile gaming (video games, not gambling). In this conversation, we explore how fintech can learn from customer experience best practices developed in other industries.
 
If you like today's show, please subscribe on iTunes, or your podcast platform of choice, and leave us a review.
 
As always, connect with us on Twitter, Facebook, LinkedIn or on our website at bankingthefuture.com.
 
Thank you very much for joining us today. Please welcome, Alvaro Alvarez del Rio and Aman Ghei.
Apr 18, 2017

Penta and Crunch are reinventing banking and accounting for startups and sole traders.

Darren Fell is the Founder and CEO of Crunch, one of the original cloud-based accounting platforms, launched in 2009. Crunch serves thousands of sole traders and small businesses in the UK with an ever-increasing range of accounting and financial services products.

Lav Odorovic is Co-Founder and CEO of Penta, a Berlin-based neobank offering banking services to early-stage technology companies.

Today's conversation explores the convergence of banking and accounting, two closely related and until now separate services for SMEs.

If you enjoy today's show, we'd love to hear from you. Feel free to connect with us on TwitterFacebookLinkedIn or www.bankingthefuture.com.

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